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ARE CAR INSURANCE QUOTE COMPARISON WEBSITES USEFUL?

You are in the process of buying a new car and you would like to have it insured. But, you want to do some homework first and not just blindly take the first car insurance company that comes your way via car insurance quote comparison websites.

DISCLAIMER

Seeing that car insurance is not straightforward, we encourage readers to treat this article only as information. If you want to insure your car for the first time, you will most likely not have an idea which companies out there are reputable, and which treat their customers well, you will need to do research and if necessary, speak to someone that is well informed about this topic.

FIRST THINGS FIRST – DRAW UP YOUR OWN RISK PROFILE

A driver’s risk profile describes your driving ‘behaviour’ for as long as you have been officially driving with a valid driver’s licence. Your parents may have paid for your insurance for many years while you drove the car they bought you when you were a student. Those years all form part of your risk profile.

BE TRUTHFUL WHEN DRAWING UP YOUR OWN RISK PROFILE

For you to draw up your own risk profile, you need to summarise a list of points that all need information. This will be your name, age, the duration of your driving experience, and if you are the regular driver of the car. Really important to most car insurance companies, is the number of years you have driven claim-free, and those years when you had accidents. In addition, how risky is the place where you park your car during the day and night?

WHAT COVER AND SERVICE DO YOU WANT FROM AN INSURANCE COMPANY?

You need to familiarize yourself on the Internet with the different types of car insurance policies available. For instance, do you want comprehensive car insurance, or only third party? Do you want to have roadside assistance? Would you like to have the insurance company provide you with an alternative car while your own car is getting repaired at the panel beaters? These are all items that you can settle in your mind before you do anything else.

ACCURATE QUOTES MUST BE BASED ON ALL YOUR REQUIREMENTS

The easiest thing in the world is to obtain a car insurance quote, but does it mean anything? Does it include all the things that you wish to be covered?

WHAT ARE COMPARISON WEBSITES?

Comparison websites are those sites that compare car insurance quotes from a number of car insurance companies. Remember that comparison websites will not compare quotes from every, conceivable, reputable car insurance company that is registered in South Africa. Comparison websites usually select only a few car insurance companies, which may include a few of the well-known brands.

ONLINE CAR INSURANCE QUOTE COMPARISON WEBSITES ARE USEFUL AS AN INITIAL SOURCE OF INFORMATION

By going onto various comparison websites, you may get an idea which companies are the main players in car insurance. But be careful not to assume that the cover they provide is the best suited to your needs, you need to do further research.

GO TO COMPANIES’ INDIVIDUAL WEBSITES TO FIND OUT MORE

By going to these companies’ individual websites, you can learn all about their size, their reputation, for how long have they been in existence, and so on.

MAKE YOUR FINAL SELECTION OF CAR INSURANCE COMPANIES

This is where the benefit of your previous homework kicks in. You have discovered that companies A to D are the ones you would like to get quotes from. Now you are in a good position to go back to those comparison websites that include the companies that you have selected.

OBTAIN QUOTES FROM COMPARISON WEBSITES AS AN INITIAL SCREENING PROCESS

Comparison website 1 has included only 3 of the 6 car insurance companies you have chosen. From this initial screening process, you can get some idea of what the quotes look like. Other comparison websites may include quotes from the remaining insurance companies you have selected.

QUOTES FROM SOME COMPARISON WEBSITES MAY NOT BE AS PRECISE AS YOU WANT THEM TO BE

A few of the comparison sites may ask you to supply them with some information about your risk profile. The quotes you get from your ‘selected’ companies will provide you with an idea which of those ‘selected’ companies suit you the best.

CONFIRM QUOTES WITH INDIVIDUAL CAR INSURANCE COMPANIES

You have now ended up, from the initial screening process with comparison websites, with a couple of promising quotes. However, nothing beats the accuracy of confirming each quote directly with the insurance company itself. Specific interaction, either online or via the telephone, will ensure that all your requirements will be addressed by the insurance company concerned.

HAVE YOU CONSIDERED BUYING AFFORDABLE CAR INSURANCE WITH PMD?

You have obtained a series of quotes directly from various car insurance companies but have you compared them with a quote from PMD? You can purchase affordable car insurance by using their Online Insurance Purchase Platform. The whole process is not difficult and doesn’t take long. You can do this at any time and any place, without having to phone anyone. However, there is a call-back facility available for you to use if you need to. If you require more information, some audio and video materials are available.

Sources:

ARTICLE ARCHIVE

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